The Real Cost of Buying a First Home in Dursley
A first purchase at the £320,000 Dursley average needs about £36,300 in cash, made up of £32,000 deposit, £1,000 stamp duty with first time buyer relief, and roughly £3,300 in fees.
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
A first purchase at the £320,000 Dursley average needs about £36,300 in cash, made up of £32,000 deposit, £1,000 stamp duty with first time buyer relief, and roughly £3,300 in fees.
The full cash number for Dursley
On the local average the deposit is £32,000, stamp duty is £1,000 and fees are near £3,300. Total cash needed is about £36,300.
First time buyer relief saves you £5,000 against the standard charge of £6,000 at this price. Rates are those in force from April 2025. Confirm the current position on gov.uk before you exchange.
Where the upfront cash goes
The commercial page for this town sets out the introduction itself: Mortgage advice in Dursley.
What you can borrow against local incomes
Running costs from week one
Band D council tax in Gloucestershire is £2,611 a year, which is £218 a month. Add energy, water, insurance and maintenance.
Protection belongs in the same budget. If the mortgage depends on two incomes, it depends on both people staying well enough to earn. That is the part of the purchase we advise on directly.
The Dursley detail first buyers ask about
The schools families ask about here are Rednock School, Dursley Church of England Primary Academy and Cam Hopton CofE Primary School. 1 local school was rated Good or Outstanding overall at its most recent graded Ofsted inspection. Ratings age between inspections, so read the latest report before you rely on one.
On getting about: Dursley to Cam & Dursley station takes about 5 to 10 min by car/bus.
By price, Dursley ranks 15 of the 18 Gloucestershire locations we cover, at £320,000 against a county average of £398,889. Band D council tax here is £2,611, against an average of £2,493 across the towns we cover in the county.
What your money buys in Dursley
Dursley is an affordable, down-to-earth former cloth & engineering town below the Cotswold escarpment.
The full local guide covers schools, transport and the market in detail: Dursley property and area guide.
Average prices sit below the £500,000 relief ceiling, so most first purchases here still qualify. Check your own price against the threshold.
| Budget | What it buys here |
|---|---|
| Around £200,000 to £280,000 | A terraced or ex-industrial house, the affordable, characterful way into the town. |
| Around £280,000 to £380,000 | A semi-detached or estate family house, the signature Dursley family home. |
| £450,000 and above | A larger or detached house, particularly on the higher ground towards Stinchcombe Hill, the top of the local market. |
- An affordable, down-to-earth Cotswold-edge town
- A nearby main-line station at Cam & Dursley
- A Good secondary (Rednock) & primaries in town & Cam
- Superb walking, the Cotswold Way & Stinchcombe Hill
- Genuine value for the Cotswold edge
- A working town, not a chocolate-box Cotswold one
- The station is ~2mi away in Cam, not the town centre
- Some post-2024 primary inspections carry no overall grade
- The town is hilly, so a car still helps day to day
- Older & ex-industrial homes need survey checks
Dursley is known locally for The Lister engineering heritage, and The Cotswold Way & Stinchcombe Hill. R.A. Lister & Co (later Lister-Petter) and Mawdsley's made Dursley a world-known engineering town, Lister engines were exported across the globe, and the heritage remains a point of local pride.
Practical detail for Dursley: the GL11 postcode district, Cam & Dursley station ~2mi (in Cam) on the Bristol to Gloucester main line, Gloucester, Cheltenham & Bristol and nearest A and E is Gloucestershire Royal (Gloucester) or Southmead (Bristol), both a drive; MIU at Stroud, verify with NHS.
Dursley at a glance
| Upfront cost | Dursley figure |
|---|---|
| Average price | £320,000 |
| Deposit at 10% | £32,000 |
| Stamp duty, first time buyer | £1,000 |
| Stamp duty, standard rate | £6,000 |
| Legal, survey and moving | £3,300 |
| Total cash needed | £36,300 |
| Monthly repayment illustration | £1,684 |
Figures are local averages used for illustration. Confirm your own numbers before acting on them.
Ask about Dursley
Three details is all we need. You are told before anything is passed to a partner firm.
Your checklist
- Total cash of about £36,300, not just the deposit
- Your stamp duty position confirmed on gov.uk
- A first year running cost budget including £2,611 council tax
- Income protection quoted before completion, not after
The introduction costs you nothing. If you go ahead, we may be paid a fee by the firm we introduce you to. There is no obligation.
Check broadband before you make an offer in Dursley
Broadband speeds can vary street by street in Dursley, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.
We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.
We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.
Questions people ask
How much money do I need to buy a first home in Dursley?
Do first time buyers pay stamp duty in Dursley?
What is the biggest hidden cost?
How do I check broadband speed at a property in Dursley?
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